Plan the numbers
A free SIP Calculator built to help you plan smarter mutual fund investments. Just enter your monthly investment amount, expected rate of return, and investment duration to instantly see your total invested amount, wealth gained, and projected maturity value — making it easier to plan systematic investments and work toward long-term financial goals like retirement, education, or wealth creation.
Systematic Investment Plans (SIPs) in Indian equity mutual funds remove market-timing risk through Rupee Cost Averaging. Over a 10-year holding period, Nifty 50 and broad market index funds have historically delivered 12%–14% annualized returns, turning disciplined monthly allocations into substantial wealth.
Calculate SIP returns, invested amount, and future value instantly.
Under the Finance Act (No. 2) 2024, Long-Term Capital Gains (LTCG) on equity mutual funds held for >12 months are taxed at 12.5% for gains exceeding ₹1,25,000 per financial year. STCG (<12 months) is taxed at 20%.
Calculate Fixed Deposit (FD) maturity amount, cumulative interest earned, and quarterly compounding returns. Compare interest rates across leading Indian public, private, and small finance banks with DICGC insurance and tax deduction guidance.
ViewCalculate your Public Provident Fund (PPF) maturity amount, total investment, and estimated interest earnings. Plan long-term sovereign-backed savings, tax-free returns under EEE status, and retirement corpus growth.
ViewCalculate the compound annual growth rate of a lump-sum investment from its beginning value, ending value, and holding period. Also see profit and absolute return.
ViewEnter your recurring monthly investment (e.g., ₹5,000, ₹10,000, or ₹25,000).
Input realistic CAGR expectations (e.g., 12% for Large Cap, 14% for Flexi Cap, 7% for Debt).
Define your holding duration in years to capture full compounding power.
Review your total capital invested vs estimated capital gains and final maturity corpus.
M = P × [ [(1 + i)ⁿ - 1] ÷ [i] ] × (1 + i)
The SIP calculation uses the standard future value of an annuity due equation. Since monthly contributions are invested at the beginning of each monthly cycle, each installment earns compound growth immediately from its deposit date.
Input: Monthly SIP: ₹10,000 | Expected Annual CAGR: 12.0% | Horizon: 15 Years (180 Months)
Output: Total Invested = ₹18,00,000 | Estimated Capital Gains = ₹32,45,760 | Maturity Corpus = ₹50,45,760
The calculator treats each monthly contribution as an instalment invested at the beginning of the month. It converts the annual expected return into a monthly rate and applies the future-value-of-an-annuity-due formula across the selected number of months. It then shows total contributions, estimated growth and estimated maturity value separately.
The calculator applies one constant expected annual return for illustration. A real mutual fund NAV changes from day to day, so every SIP instalment buys a different number of units and the investment may earn more or less than the estimate. Fund expenses, tracking difference, taxes, exit load and the exact transaction date can also change the realised result. Mutual fund returns are market-linked and are not guaranteed.
No. A fixed SIP buys more units when NAV is lower and fewer units when NAV is higher, which can average the purchase cost over time. It does not guarantee a profit or protect against losses in a falling market. The final outcome still depends on the scheme, market performance, costs and the period for which the units remain invested.
Use a reasonable planning assumption rather than the highest recent return. Review the scheme category, risk level and long-term rolling returns, then test more than one scenario such as a lower, base and higher return. The entered percentage is an assumption, not a promised CAGR, and it should not be used as the only reason to select a mutual fund.
No. This version assumes the same monthly contribution for the complete investment period. If you plan to increase the SIP every year, the displayed result will not include those increases. You can use the fixed monthly amount as a baseline, but a proper step-up projection must calculate each contribution increase separately.
Taxes are not deducted from the displayed maturity value. For an equity-oriented mutual fund, the holding period is checked separately for every monthly instalment when units are redeemed. Under the rules in force in October 2026, eligible long-term gains under section 112A are taxed at 12.5% above the applicable annual exemption and qualifying short-term gains under section 111A are taxed at 20%. Tax rules and personal circumstances can change, so verify the current position with the Income Tax Department or a qualified tax professional before redemption.
Units already purchased normally remain invested when a later instalment is missed, paused or cancelled. The missed contribution will reduce the amount available to compound, so the actual corpus can be lower than this uninterrupted-SIP projection. The AMC may not levy a missed-SIP penalty, but a bank can charge for a failed NACH or auto-debit and scheme-specific mandate rules can differ.
Not as separate deductions. Enter an expected return that you consider realistic after recurring scheme expenses, and check the scheme documents for exit-load rules that may apply to particular instalments. The maturity value is shown in future rupees and is not adjusted for inflation, so its purchasing power may be lower than the headline amount.
Total invested is the monthly SIP amount multiplied by the number of contributions. Estimated gains are the projected maturity value minus those contributions. Maturity value is the combined total of contributions and projected growth at the assumed return. Estimated gains are not guaranteed profit and become actual only after the relevant units are redeemed at their prevailing NAV.
In personal wealth management, time in the market consistently beats timing the market. Attempting to enter and exit equity markets based on macroeconomic news or short-term volatility frequently leads to buying at peaks and panic-selling at market troughs. A Systematic Investment Plan (SIP) automates institutional-grade asset accumulation by spreading investments across market cycles.
---To observe how compounding accelerates exponentially over extended time horizons, examine the wealth trajectory of a fixed ₹10,000 monthly investment:
| Investment Horizon | Total Principal Invested | Estimated Wealth Gained | Final Maturity Value | Gains-to-Principal Multiple |
|---|---|---|---|---|
| 5 Years | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 | |
| 10 Years | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 | |
| 15 Years | ₹18,00,000 | ₹32,45,758 | ₹50,45,758 | |
| 20 Years | ₹24,00,000 | ₹75,91,479 | ₹99,91,479 | |
| 25 Years | ₹30,00,000 | ₹1,57,76,346 | ₹1,87,76,346 | |
| 30 Years | ₹36,00,000 | ₹3,16,98,138 | ₹3,52,98,138 |
The most common mistake retail investors make is canceling active SIP instructions during localized market pullbacks or global macro corrections. This reaction actively disrupts the wealth-building process. Market downturns allow your fixed monthly allocation to acquire more mutual fund units at lower costs, setting up your portfolio for accelerated growth when market cycles inevitably swing upward.
Leaving your SIP amounts completely unchanged over your entire career path can limit your wealth potential. As career paths advance and disposable income grows, your investment allocations should adjust in step. Integrating a predictable, automatic annual step-up of 10% to 15% can expand your ultimate maturity corpus significantly without requiring changes to your standard of living.
---A structured systematic investment strategy should be mapped directly to clear financial goals. Balancing asset classes across the right time horizons helps keep your portfolio secure and responsive to real-world needs:
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This page is maintained through a documented review of calculation logic, worked examples, assumptions and financial limitations. DevCalc is founded and maintained by software engineer Aditya Singh. Important financial, health, legal and government figures should still be confirmed with the relevant official source.
This calculator and its guidance are for general educational purposes only and do not constitute financial, investment, or tax advice. Verify figures with a qualified professional before making financial decisions.
